Is it easy to get an Industrial Bank credit card approved? It is not difficult to get a card if the two conditions are met
Among many banks, the credit limit of Industrial Credit Card is relatively high. As long as the qualifications are not too bad, the first credit card limit is mostly approved at 10,000 yuan. It is also one of the reasons that attracts many people to apply for Industrial Credit Card. So, is it easy to get approved for Industrial Credit Card? Let’s find out together below.
In fact, compared to most credit cards, Industrial Bank’s credit card application threshold is relatively low. Many cardholders report that it is quite easy to get approved. As long as the qualifications are not too bad and you are 18 to 60 years old, you can With a stable job and income, even if you have no credit, you can easily apply for a card.
However, whether a credit card is good or not depends not only on the applicant’s credit conditions, but also on the credit card level applied for. In other words, as long as the applicant’s qualifications and the credit card level to be applied for can be Matching is relatively easy, so before applying for a card, you must choose the appropriate card level based on your own situation.
The credit cards of Industrial Bank are divided into regular card, gold card, platinum card, platinum card and above. Different levels have different credit requirements for cardholders.
If you are applying for a regular card or gold card, if you meet the age requirements, have a stable job income, and do not have bad credit, it is still easier to get the card;
And if To apply for a platinum card, in addition to meeting the basic card application conditions, there are also requirements for the applicant's financial strength. It is recommended that you apply for the card at a counter outlet and provide financial evidence such as car ownership and real estate as much as possible. However, if you have other credit cards with a limit of 50,000 that have been used for more than 1 year, you can also apply for a card with a card.
The above is the relevant introduction of "Is it easy to get an Industrial Bank credit card approved?", I hope it will be helpful to everyone. All in all, whether a credit card is easy to be approved or not mainly depends on whether the applicant's credit conditions match the level of the card to be applied for. The better the credit conditions, the easier it is to get the card approved.
Is it easy to apply for an Industrial Bank credit card?
Many friends have asked which bank’s credit card is easier to apply for. I’m afraid I have to answer you, you have to choose from a commercial bank. Among the four state-owned banks The difficulty of Dahong will be relatively greater. But if you insist on falling in love with the four major state-owned banks, it is recommended that you choose a credit card among them that is easier to apply for, so that the probability of applying for the card will be greater. Let’s take a look at the specific ones.
1. Industrial and Commercial Bank of China: Universe Constellation Credit Card
ICBC’s Universe Constellation Card is relatively easy to apply for, and it is also the main credit card recommended by Industrial and Commercial Bank of China. The appearance and benefits are both online. The key point is that the annual fee is waived during the validity period, which is awesome!
In terms of benefits, as long as new customers make a single purchase, they can receive a one-month VIP membership on Youku or iQiyi, giving them the benefits of being a drama-watching expert. In addition, there are discounts on overseas portable wifi, hotels, and airport parking.
2. Bank of China: Taobao Credit Card
The threshold of Bank of China is actually not too difficult, and the threshold is not very high. You can apply by providing proof of identity and residence. If you are an expert in online shopping, it is easy to apply for this BOC Taobao Card. The annual fee for the first year is waived when you purchase the card, and the annual fee for the following year is waived when you spend 5 times of any amount.
3. Agricultural Bank of China: Beautiful Upgrade Mom Credit Card
This Agricultural Bank of China’s Beautiful Upgrade Mom Credit Card is also easier to apply for. The gold card and platinum card can waive the annual fee by swiping the card. The visa platinum card is also free of annual fees during its validity period.
You can apply for a free trial course of Disney English. There is a 1,200 discount for purchasing the course, an instant discount of 60 for purchases over 350 at Kidswant, and random instant discounts for purchases over 300 at Donkey Mama on Saturdays.
4. China Construction Bank: The most popular card in the world
This card from China Construction Bank is also relatively easy to apply for, and is mainly more suitable for overseas travel, shopping, etc. Gold and Platinum cards are free of annual fees based on the number of card swipes. Visa and MasterCard cards are free of annual fees during their validity period.
Overseas wifi, special discounts on air tickets and hotels, cash rebates for overseas purchases, etc. are very suitable for overseas consumption or overseas shopping. It is called CCB’s “magic card”.
This is the introduction to the easy-to-apply credit cards from the four major banks. I hope it will be helpful to everyone. It is recommended that everyone prepare sufficient information before applying for a card, as well as proof of assets, etc. It can be of great help!
Is it easy to apply for Industrial Credit Card?
Industrial Bank credit card is relatively easy to get approved, and Industrial Bank’s general credit card is the best among Industrial Banks. The lower the level of the card, the lower the application threshold, so the application is easier to pass. Whether other Industrial Bank credit cards are easily approved depends on the applicant's personal application conditions. The better the applicant's personal application conditions, the better it will be for him to apply for a credit card.
1. Credit card types
1. Platinum card series: · UnionPay RMB Platinum Credit Card · VISA Standard Dual Currency Platinum Credit Card · MasterCard Standard Dual Currency Platinum Credit Card · Youyi Business Travel Platinum Credit Card · Youyue Health Platinum Credit Card · Youyang Golf Platinum Credit Card · GOLF MasterCard Platinum Credit Card · GOLF UnionPay Platinum Credit Card · Bank Card MasterCard Dual Currency Platinum Credit Card · Bank Card UnionPay RMB Platinum Credit Card
2. Standard card series: · UnionPay Standard RMB credit card·VISA standard dual-currency credit card·MasterCard standard dual-currency credit card
3. Theme card series:·China Heart Credit Card·Garfield Credit Card·QQ Show Credit Card·Cheyou Credit Card·Starry Night·Constellation Credit Card·New China's 60th Anniversary Themed Credit Card · QQVIP Credit Card
4. Co-branded card series: · Urban Beauty Credit Card · Beijing Hong Kong Jockey Club Membership Card · Mango Travel Credit Card · Classic Car Co-branded Credit Card · Eastern Airlines Co-branded Credit Card · Taobao co-branded credit card
5. Department store card series: · Wuhan Zhuangsheng Sogo Department Store Credit Card · Tianhong Co-branded Credit Card · Tianjin Friendship Co-branded Credit Card · Ocean Department Store Co-branded Credit Card · Daning International Co-branded Credit Card · Minsheng Department Store Co-branded Credit Card · Ginza co-branded credit card · Xidan Shopping Mall co-branded credit card · Yitian Holiday co-branded credit card · Hongbo co-branded credit card · Nanzhong Plaza co-branded credit card · Maoye Department Store co-branded credit card
6. Approval card series: · Approved by Guangzhou Education Foundation Card·Foshan Education Metropolitan Area Network Card
7. Business Card Series: Visa Standard Business Card·MasterCard Personal Business Card
2. Methods of reporting loss
To protect your card security, once your credit card is lost, stolen or possessed by others, please immediately report the loss through the following methods
Method 1: Use your mobile phone to write a text message "The last four digits of 34 (34 )" was sent to 95561, and a reply text message was received confirming that the loss report was successful.
Method 2: Log in to the Industrial Bank Credit Card Online Banking to report the loss
Method 3: Call the 24-hour customer service hotline 95561 and follow the voice prompts to report the loss of the Industrial Bank Credit Card;
Method 4: Report the loss at the counter of any Industrial Bank branch.
Method 5: Log in to mobile banking (normal version) or 3G version), enter credit card → select "Credit Card Loss Report" to report the loss.
Operating environment: Huawei nova410.0.0.171, Industrial Bank 5.0.43
Is it easy to get an Industrial Bank credit card?
1. Aged 18 to 60 years old If it is an online bank credit card, you need to be between 22 and 60 years old; 2. Full civil legal person; 3. The applicant for the credit card supplementary card must be over 14 years old; 4. Good personal credit, preferably There is no overdue record; 5. A relatively stable job and income; 6. The applicant has a local branch of Industrial Bank.
1. In fact, compared to most credit cards, Industrial Bank’s credit card application threshold is relatively low. Many cardholders report that it is quite easy to get approved, as long as the qualifications are not too bad and you are between 18 and 60 years old. , with a stable job and income, even if you have no credit, you can easily apply for a card.
However, whether a credit card is good or not depends not only on the applicant's credit conditions, but also on the level of the credit card applied for. In other words, as long as the applicant's qualifications match the level of the credit card to be applied for, it will be relatively easy. , so before applying for a card, you must choose the appropriate card level based on your own situation. It is understood that Industrial Bank's credit cards are divided into regular card, gold card, platinum card, platinum card and above. Different levels have different credit requirements for cardholders.
2. If you are applying for a regular card or gold card, if you meet the age requirements, have a stable job income, and have no bad credit, it is easier to apply for the card; and if you are applying for a platinum card, then In addition to meeting the basic conditions for applying for a card, there are also requirements for the financial strength of the applicant. It is recommended that the card be applied for at a counter outlet and that financial certificates such as cars and real estate be provided as much as possible. However, if you have other credit cards with a limit of 50,000 that have been used for more than 1 year, you can also apply for a card with a card.
3. What are the warning signs of rejection of Industrial Credit Card: 1. If you do not receive any text message notification from Industrial Bank within ten working days after submitting the application materials, it indicates that the approval may not be passed. Under normal circumstances, , as long as the initial review is passed, the bank will send a text message to notify the customer; 2. After receiving the text message that the preliminary review was passed, but after 7 working days, or even half a month, you have not received a callback or other text message notification, then it means that the approval has not been passed. ; 3. I received the text message that I passed the preliminary review and made a follow-up phone call. However, if I have not received the text message notifying the bank of mailing the card after 7 working days, then it is still pending.
Which Industrial Bank credit card is the best to apply for
Before choosing to apply for an Industrial Credit Card, you must first choose the corresponding card type according to your own needs. The following credit cards are recommended:
1. Industrial Constellation Credit Card, which offers free handling fees for the first cash withdrawal every month, high-value aviation accident insurance, and supreme car rental discounts.
2. Xingye Taobao Co-branded Card: There is no handling fee for cash withdrawals, and the first-year annual fee is waived. If you swipe it 5 times, you can get the next-year annual fee waived. In addition, online shopping counts points, and the points can also be used as cash. If you usually like shopping on Taobao, you can choose it.
3. Industrial China Southern Card: If you choose the gold card, the annual fee will be waived if you swipe it 5 times, and the mileage redemption ratio is high. For the Platinum Elite Edition, you can spend RMB 2,000 for free within 60 days of purchasing the card in the first year, waive annual fees for the following year if you spend RMB 30,000 or more, and receive double points for overseas purchases. If you are a business person who often travels on business, you can choose this option.
4. Industrial Standard Credit Card: Compared with other card types, it is the easiest to apply for. Even college students who have just left school and newcomers to the workplace can apply for the card. Its biggest feature is the cash installment benefit, which provides cardholders with cash withdrawal services and calculates 5 times points.